I am on a medical leave (on job injury) and collecting about a third of my salary, so far I have an excellent credit rating. However my debt to income ratio has been shot , I owe 53000 in cc,10000on my 401k, and 23000on my car. I have around 35000 in equity on my home. Should I try to continue borrowing to pay in hopes of settling my oji case , go to credit counselors, or try to bankrupt? I keep getting more in debt and am using credit cards to pay credit cards. HELP!!